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40. Foreign corporations and resident cor-
porations and associations not au-
thorized to conduct business of sav-
ings bank.
41. Application of secs. 32-40.
Trust Companies.
42. Formation: articles of incorporation.
Capital.
43. Articles of incorporation; investigation
of incorporators; approval or re-
jection of charter; record; fees;
publication.
44. Organization certificate to be sub-
mitted to commissioner.
45. Certificate of authorization to com-
mence business.
46. Powers of corporation.
47. Fiduciary capacities in which trust
companies may act. Deposit of
money with.
48. When fiduciary or depositary, no bond
required. Liabilities so incurred, pre-
ferred accounts.
49. No oath required when fiduciary.
50. Directors. Elections. Vacancies.
51. Application of this article to trust
companies; proviso as to existing
companies.
General Regulations.
52. What " banking institution " includes.
53. Stock book; penalty for failure to ex-
hibit. Evidence. Voting.
54. Amendment of articles of association.
Increase and reduction of capital.
55. For what purposes real estate may be
purchased, held and conveyed.
56. Reports to bank commissioner; pub-
lication thereof; special reports.
57. Forfeiture for failure to comply with
preceding section. Failure to pay
forfeiture.
58. False statement or entry; false papers;
accepting deposits when known to
be insolvent.
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59. Consolidation.
60. Liquidation.
61. How institution may be placed in the
hands of bank commissioner.
62. Cash reserve. Additional reserve.
63. Bills payable; amount of, and period
to be carried, regulated.
64. Demand deposits and time deposits
defined.
65. Members of federal reserve system,
reserves required of.
66. Steps to be taken if reserve falls be-
low requirements.
67. Maximum liability of any person, etc.,
for money borrowed.
68. Loans to officers', etc.
69. Certification of checks without funds;
effect of certification.
70. Dividends. Surplus. Losses.
71. When dividends may not be paid — lia-
bility of stockholders and directors.
72. Liability of stockholders. Stock held
in a fiduciary capacity. How lia-
bility of stockholders may be en-
forced; proviso.
73. Stock is personal property; transfers.
74. Deposits by minor or married woman;
receipt therefor.
75. Deposit in trust.
76. Deposit in names of two persons pay-
able to either or the survivor; re-
ceipt therefor.
77. Legal process.
78. Persons, etc., not subject to this article,
not to represent themselves as
maintaining banking institution;
penalty; proviso.
79. Oath of stockholders before voting;
proviso.
80. False and derogatory statements rela-
tive to the financial condition or
solvency of banks, etc.; penalty.
81. Attorney of bank commissioner.
82. Repeal of inconsistent laws and of
certain charters.
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